Thank you for the question. This is an interesting one. We've been having a lot of discussions on that.
We did an interesting exercise at CN, and we have to communicate a little bit more with the unions and the pensioners. As you know, the solvency test started in 1989, and CN has always been in the position where we've been in the solvency surplus throughout all those years. We've never been in a solvency deficit. So we stress-tested our own particular situation by taking the solvency ratio down by 5%. In certain situations, then, with that stress test, we had solvency deficits. We compared the 10-year amortization with our recommendation to have more governance around pensions, to have annual evaluations. So if we compare that recommendation to the current rules, we would have been in a situation where we would have contributed more to the pension plan over those twenty years. I think it's a question of communicating for us. When I communicated that to other companies, they did a similar exercise, and in their situation they more or less came to the break-even point.
All this to say that when we talk about five years versus ten years, it's in people's minds right way. They divide the solvency deficit by ten and by five, and they say there would be more contributions if we simply divided by five. But this is a proposal that needs to be looked at over the long term. And I think there's a need to have good communication on that.